Financial Strength Ratings (FSR) represents Standard & Poor's opinion of the financial security characteristics of an insurance organizations, with respect to the organizations's ability to pay under its insurance policies and contracts, in accordance with their terms.
Standard & Poor's Insurer Financial Strength Ratings are key decision-making tools for our wide audience:
Buyers of insurance, risk managers, benefit administrators and individuals use FSR ratings to choose coverage from insurers that can meet their claims
Insruance brokers and agents use FSR ratings to help them meet due diligence and disclosure requirements. Ratings also provide an impartial opinion that assists brokers and agents in their marketing efforts.
Investors and other credit professionals use FSR ratings when undertaking their credit evaluations
Regulators use FSR to provide an objective tool for effective industry monitoring
